LIVE 24-SEVEN
QUI LTER CHEVIOT REASONS TO INVEST IN 2019
As the New Year approaches, your mind might turn to starting 2019 with your finances in order. Investing is all about planning for your future, so to help you decide the best course of action, we’re sharing the lessons we have learnt throughout our 240-year history and why now might be a good time to invest.
1. WE’RE ALL LIVING LONGER Happily, the average life expectancy for a 40-year old man is now 87 years and for a woman it is 89 years. However there is a downside to this, as we will all have to make our pensions last longer. The consequence being that your annual income may be lower than the salary you received while working, which may mean that maintaining your standard of living is more challenging.
2. CASH ISN’T ALWAYS KING In the past, cash was seen as a safe haven. In today’s low interest rate environment, the danger is that the rate of inflation outstrips what your cash is earning in a savings account. Over time this can mean that the value of your cash gradually starts to erode.
3. THE POWER OF COMPOUNDING The principle behind compounding is that each year you earn interest not only on the original amount invested but on the interest from previous years as well. The effect of compounding is exponential over time, so the sooner you start, the better off you’re likely to be.
4. DIVERSIFICATION Simply put, if you invest in a single type of asset, you are concentrating risk. Making sure you have exposure to multiple asset types is essential to reducing risk in your portfolio whilst maximising potential returns. Now more than ever we are seeing huge opportunities in the global economy, both in terms of emerging economic giants like India and China, but also the changes affecting economics globally.
5. GET THE EXPERTS ON BOARD In an increasingly complex and uncertain world it can seem daunting to think about where you will be in five years’ time, let alone in 30 or 40, but the need to build a secure financial future for you and your family is stronger than ever.
When given a ‘hot tip’ or confronted by a sudden drop in the value of an asset we are invested in, most of us will be tempted to act. There is a whole series of behavioural biases which can influence decision making. This in itself is a good reason to make use of discretionary investment management – by putting the day-to-day management of your investment in the hands of an experienced professional, you remove the temptation to react to sudden market fluctuations.
Here at Quilter Cheviot we look forward to 2019 when we celebrate twenty five years since we first opened our Birmingham office, with some of us having served the full quarter century in the office.
We’re excited about our prospects in Birmingham. Having seen the city and surrounding areas go from strength of strength in our time here, we look forward to working closely with more clients and their advisers in the years to come.
If you would like to find out more about how Quilter Cheviot can help with your investment objectives, please contact David Jupp, Head of Birmingham on +44 (0)121 212 2120.
David Jupp / 62
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